Mortgage Loan Underwriter

Seeking an entrepreneurial California Licensed Mortgage Underwriter, the full-time position will underwrite residential mortgage files end to end, ensuring compliance and efficiency while collaborating with customers and internal teams in a hybrid work environment. Key Responsibilities Underwrite residential mortgage files across various product types, reviewing credit, income, assets, and collateral against guidelines Issue clear conditions and manage escalations to ensure quality control and reduce unnecessary submission turns Regularly assess and enhance Underwriting Systems to ensure regulatory compliance and operational efficiency Required Qualifications 3+ years of experience in underwriting across Conventional, Jumbo, Non-QM, and Government loan types Experience in a fintech environment related to mortgage products is strongly preferred Expert-level knowledge of the mortgage lending process and federal/state regulatory guidelines Ability to oversee and manage relationships with 3rd party fulfillment partners Strong analytical skills with a focus on compliance and performance optimization